2026 Florida Loan Limits for 2- to 4-Unit Homes
Buying a duplex, triplex or fourplex and living in one of the units? Loan limits go up with the number of units. Here are the 2026 FHA, conventional and VA limits for every Florida county.
FHA loans, by county
| Counties | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Monroe | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Collier | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Broward, Miami-Dade, Palm Beach | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Martin, Okaloosa, St. Lucie, Walton | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Baker, Clay, Duval, Nassau, St. Johns | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Manatee, Sarasota | $547,400 | $700,750 | $847,050 | $1,052,700 |
| All other 51 counties | $541,287 | $693,050 | $837,700 | $1,041,125 |
FHA limits apply to the loan before the upfront FHA premium is added.
Conventional loans (Fannie Mae and Freddie Mac)
| Area | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Every Florida county except Monroe | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County (the Keys) | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
Above these amounts, the loan is a jumbo loan.
VA loans
With your full VA entitlement, there's no VA loan limit, whatever the number of units. If part of your entitlement is still in use, VA uses the county's one-unit conventional limit ($832,750, or $990,150 in Monroe) for any number of units. See the one-unit guide for how that works.
Good to know before you buy 2 to 4 units
- You live in one of the units. FHA and VA loans, and the low-down-payment conventional options, are for homes you'll live in.
- Down payment: FHA allows 3.5% down on 2 to 4 units, and conventional loans allow 5% down when you live in one of the units. VA allows no down payment with full entitlement.
- Rent can help you qualify. Lenders can count part of the expected rent from the other units toward your income.
- 3 and 4 units with FHA: FHA also checks that the expected rent covers the monthly payment (the "self-sufficiency test").
- Higher costs: insurance and property taxes are higher than on a single home. YourTruePayment includes both in your payment.
Check any home's true monthly payment, with these limits built in, at yourtruepayment.com. It's free and never checks your credit.
See the true payment on a homeGeneral information only; not a commitment to lend. Equal Housing Opportunity.